Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
Normally, our body produces lactase, which breaks down lactose into two simple sugars, glucose and galactose. These two sugars can then be absorbed into the bloodstream. People whose bodies donât make enough lactase canât fully digest lactose, causing mild to uncomfortable side effects. Some people have a higher chance of being lactose intolerant, including people of Hispanic, African-American, Asian and Jewish descent. It also affects adults more than children, since the body produces less lactase enzyme as people age. The Dairy Digestion Test can help you determine if you have a dairy sensitivity that may be caused by lactose.